PHH Home Loans, LLC Blog

4 Tips For Helping Maintain Your Home’s Value

Unfortunately, you can’t just expect to buy a home and have its value automatically rise along with inflation and the home market as a whole – Unless you live in downtown Manhattan! Maintaining the value of your home is all about making sensible improvements and getting into the habit of smart maintenance. We’ve put together 4 simple tips and points of consideration to make sure you don’t overlook the key areas of your new home that may have a serious implication on its overall value. Fix Heat Leakers We all know there’s little drafts around the house that we can ...

July 20th, 2017 4 Tips For Helping Maintain Your Home’s Value

PHH Home Loans Market Commentary

This week brings us little that is expected to affect mortgage rates with only two monthly economic reports on the calendar. Corporate earnings season gets into high gear, which may end up being the biggest influence on rates. There is nothing set for Monday or Tuesday, so it is a good possibility that stocks will be in the forefront as the new week kicks off. June’s Housing Starts will be released 8:30 AM ET Wednesday, giving us an indication of housing sector strength and future mortgage credit demand. It usually doesn’t cause much movement in mortgage rates unless it varies grea...

July 17th, 2017 PHH Home Loans Market Commentary

5 Unexpected Side Benefits of Homeownership

You already know about the tax benefits of buying a home and the long-term financial advantages created by rising home values and bankable equity. But some of the associated benefits of homeownership might surprise you. 1. Pride of ownership You understand the idea of pride of ownership, but maybe you’ve never actually felt it. You will once you put those keys in the door for the first time. And this doesn’t just apply to first-time homebuyers. If you’ve worked hard, saved well, spent smart, and are able to now move up to the home of your dreams, you’ll undoubtedly feel...

July 13th, 2017 5 Unexpected Side Benefits of Homeownership

Preparing for - and avoiding - moving "bad breaks"

Whether it's for a vacation or a move, packing is rarely on anyone's list of top-ten favorites. If your clients get upset when they get to the hotel and "shipping and handling has caused items to shift" in their suitcases, they're devastated (or angry) when they start unpacking boxes at their new homes and find that items haven't just shifted, they've shattered. You've been to this rodeo and know what the bucking broncos can do, so sharing your experience with your clients can be a critical component of them not opening "boxes of badness."   Box smart Remind them that proper prior prepara...

July 13th, 2017 Preparing for - and avoiding - moving "bad breaks"

Use HARP refinancing as a way to keep the conversation going with your clients

Maintaining a connection with clients after they've closed and locked the door behind them in their new home is often a challenge. Aside from communications on holidays or birthdays, mailings on your latest business or sending a value-add seasonal publication on home upkeep/d?cor, what can you provide them that truly shows your continued value to them as their real estate professional? By offering them advice not on buying a new home, but refinancing their existing home using through the Home Affordable Refinance Program (HARP). What is HARP? Established in 2009 by the FHFA, HARP is a program ...

July 13th, 2017 Use HARP refinancing as a way to keep the conversation going with your clients

PHH Home Loans Market Commentary

This week brings us the release of six relevant economic reports for the bond market to digest in addition to semi-annual congressional testimony by Fed Chair Janet Yellen and two Treasury auctions. Most of the data that is being posted is considered to be of high importance, meaning we will likely see more volatility in the financial markets and mortgage pricing this week. It starts off light with nothing of importance set for Monday or Tuesday. However, the rest of the week is packed with mortgage-relevant reports and other events. Wednesday doesn’t have a relevant morning economic rel...

July 9th, 2017 PHH Home Loans Market Commentary

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PHH Home Loans, LLC

PHH Home Loans, LLC, 1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID # 4256. (www.nmlsconsumeraccess.org). Massachusetts Licensed Lender #MC4256; Licensed by the New Hampshire Banking Department; Rhode Island Licensed Lender. Equal Housing Lender.

PHH Home Loans, LLC d/b/a Coldwell Banker Home Loans.  1 Mortgage Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID #4256. (www.nmlsconsumeraccess.org) Alaska Licensed Mortgage Lender #AK4256-2, 866-462-8266; Arizona Residential Mortgage Licensee #BK 0907285; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Licensed by the Delaware State Bank Commissioner  #8094; Georgia Residential Mortgage Licensee #20292; Illinois Residential Mortgage Licensee #MB.6759857; 100 W. Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Massachusetts Licensed Lender and Mortgage Broker #MC4256; Minnesota – This is not an offer to enter an interest rate lock-in agreement; Montana Licensed Mortgage Lender #4256; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; Licensed Mortgage Banker – NYS Banking Department; Ohio Certificate of Registration  MB. 804019; Rhode Island Licensed Lender. Equal Housing Lender.